nak ada rumah sendiri pada usia muda? live with ur future husband or wife.n future children?hah. kepada korang2 yg br mula bekerja.ini adalah maybe korg punyer benefit. to my hubby also.bcoz he just started working. n of course utk mase depan kitorg berdua it is compulsory to have a house. so dr umur yg muda ni lah kiter kene start pk beli rumah, kereta, simpanan asb, n mcm2 lgy.. so here r some info 4 u guys yg ingin dlm proses utk berumah tangga..especially yg bercouple mcm me ni ha...
RHB MY1 FIRST HOME LOAN
Product Description -
This home ownership scheme is meant for first time homebuyers with income not exceeding RM3,000 per month per individual or not exceeding RM6,000 per month for joint applications (subject to each applicant’s income not exceeding RM3,000 per individual) and are allowed to obtain 100% financing from banks.
Malaysian Citizen.
· First time homebuyer.
· Individuals up to age 35 years
· Single borrower income not exceeding RM3, 000 per month.
· Employees in the private sectors. Self-employed & Full Commission Earner (ie: Real Estate Agent/ Insurance Agent) is not allowed
· Confirmed employee with minimum employment of 6 months with same employer.
· Repayment amount must not be more than 1/3 of monthly income
Completed/Under Construction Residential Properties located in Malaysia.
· Minimum property value of RM100,000
· Maximum property value of RM220,000
· Owner occupied (buyers are required to live in the property)
· If the property is located on a leasehold land, the property should have a remaining leasehold tenure of at least 60 years at the point of application.
Financing tenure not exceeding 30 years or up to age of 65 yes old whichever is earlier.
· Term Loan only.
· Not applicable for refinancing of an existing loan.
· No redraw features.
· Installments payable via monthly salary deduction or standing instruction.
· Savings record (3 months installment liquidity reserve). The borrower(s) must show saving habit with average balance equivalent to ≥ 3 installments in the past 3 months. Example: If installment ofRM1,000 per month, average savings balance is ≥ RM3,000 in the past 3 months. Saving may include ASB, fixed deposit, savings account and current account.
· Compulsory Fire insurance/Takaful.
· Compulsory 100% MRTA coverage by cash. (Full sum assured and Full term coverage).
· Interest Rate at BLR + 0%.
Product Description -
This home ownership scheme is meant for first time homebuyers with income not exceeding RM3,000 per month per individual or not exceeding RM6,000 per month for joint applications (subject to each applicant’s income not exceeding RM3,000 per individual) and are allowed to obtain 100% financing from banks.
Malaysian Citizen.
· First time homebuyer.
· Individuals up to age 35 years
· Single borrower income not exceeding RM3, 000 per month.
· Employees in the private sectors. Self-employed & Full Commission Earner (ie: Real Estate Agent/ Insurance Agent) is not allowed
· Confirmed employee with minimum employment of 6 months with same employer.
· Repayment amount must not be more than 1/3 of monthly income
Completed/Under Construction Residential Properties located in Malaysia.
· Minimum property value of RM100,000
· Maximum property value of RM220,000
· Owner occupied (buyers are required to live in the property)
· If the property is located on a leasehold land, the property should have a remaining leasehold tenure of at least 60 years at the point of application.
Financing tenure not exceeding 30 years or up to age of 65 yes old whichever is earlier.
· Term Loan only.
· Not applicable for refinancing of an existing loan.
· No redraw features.
· Installments payable via monthly salary deduction or standing instruction.
· Savings record (3 months installment liquidity reserve). The borrower(s) must show saving habit with average balance equivalent to ≥ 3 installments in the past 3 months. Example: If installment ofRM1,000 per month, average savings balance is ≥ RM3,000 in the past 3 months. Saving may include ASB, fixed deposit, savings account and current account.
· Compulsory Fire insurance/Takaful.
· Compulsory 100% MRTA coverage by cash. (Full sum assured and Full term coverage).
· Interest Rate at BLR + 0%.
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